BlastPoint's Credit Union Scorecard
GUCO
Charter #62985 · NC
GUCO has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.73% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Efficiency ratio 9.73% above tier (higher cost structure)
- - Member decline: -4.0% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,391
-4.0% YoY+0.1% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$9.8M
+0.1% YoY+1.4% QoQ
|
$-20.3M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$6.4M
+0.8% YoY-2.4% QoQ
|
$-9.4M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$7.9M
-1.4% YoY+0.6% QoQ
|
$-17.8M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
0.4%
-215.2% YoY-5.5% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
4.7%
+10.4% YoY+0.6% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
92.3%
-12.4% YoY+4.0% QoQ
|
+9.7% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate | 0.0% | -1.5 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.8% in tier |
| Loan To Share |
80.7%
+2.2% YoY-3.0% QoQ
|
+20.1% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$10,293
+3.7% YoY-0.8% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
24.9%
-4.2% YoY+6.6% QoQ
|
+0.5% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)